SBI Card

BPCL SBI Card OCTANE

Fuel card: 25 points per ₹100 at BPCL pumps (6.25% back, plus a 1% surcharge waiver), 10 points per ₹100 on groceries, departmental stores, dining and movies (2.5%), and 1 point per ₹100 elsewhere (0.25%). Points are worth ₹0.25 each as free BPCL fuel; BPCL fuel points stop at 2,500 a statement cycle.

₹1,499 joining, ₹1,499 a year
Works on UPI (RuPay)
Visa / RuPay

View on SBI Card siteIssuer's site. We don't earn from this card.

Good

6.25% on fuel: 2nd of 5 fuel cards we compare
Fee pays for itself from about ₹2,000 a month of fuel
Works on UPI and earns 0.25% there
Airport lounge visits with no published spend condition

Watch out for

Tight cap: rewards on fuel stop after about ₹10,000 of spend a month
Earns nothing on wallet loads and rent
Low base rate: 0.25% on everyday spends
High forex markup (3.5%)

Who it's for: People who spend about ₹2,000 or more a month on fuel and use airport lounges.
Skip it if: You spend under ₹2,000 a month on fuel.

Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.

Rewards (value back as % of spend)

Everyday spends: 0.25% (base rate)
Online shopping: 0.25%
Fuel: 6.25%
Groceries: 2.5%
UPI: 0.25%
Travel: 0.25%
Bills and utilities: 0.25%
Dining and food delivery: 2.5%

Fees and charges

Joining fee: ₹1,499
Annual fee: ₹1,499
Fee waiver: Renewal fee refunded, within 30 days of being charged, if you spent ₹2,00,000 or more in the previous year.
Forex markup: 3.5%
Fuel surcharge waiver: 1% waiver at BPCL pumps on card swipes of up to ₹4,000; max ₹100 a month. Not on fuel paid by UPI.

Benefits and eligibility

Airport lounge: 4 domestic visits a year (1 a quarter); since 10 Jan 2026 only at 16 listed lounges in Ahmedabad, Bengaluru, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi and Pune; no spend condition is published.
Card network: Visa, RuPay
UPI payments: Yes, as a RuPay credit card
Minimum income (salaried): Not published by the bank
Eligibility: Not published by the bank

Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.

Compare it with other cards

Ready to apply for the BPCL SBI Card OCTANE?

View on SBI Card siteIssuer's site. We don't earn from this card.

CreditParakh is not a bank or lender. Approval, limits and final terms are decided by SBI Card.

What changed recently

1 May 2026FeesWorse for you
Late payment fee now starts at ₹100 on dues above ₹100 (was nil up to ₹500) and rose from ₹400 to ₹500 on dues of ₹500–1,000.
Before: Nil up to ₹500; ₹400 for ₹500–1,000 · After: Nil up to ₹100; ₹100 for ₹100–500; ₹500 for ₹500–1,000
Bank's notice or terms
10 Jan 2026Lounge accessWorse for you
Domestic lounge visits now work only at 16 listed lounges in 8 cities; the number of visits (4 a year) is unchanged.
After: 16 participating lounges in 8 cities
SBI Card's notice calls this a revision but doesn't publish the earlier list of lounges.
Bank's notice or terms
1 Nov 2025FeesWorse for you
New 1% fee on education payments made through third-party apps; paying the school or college directly stays free.
After: 1% of the transaction
Bank's notice or terms
1 Nov 2025FeesWorse for you
New 1% fee on every wallet load above ₹1,000.
After: 1% of the transaction
Bank's notice or terms

All card changes, month by month

Questions people ask

Is the BPCL SBI Card OCTANE worth it in 2026?

Yes, if you spend about ₹2,000 or more a month on fuel and use airport lounges. Below that, no free card we compare earns anything on fuel. The catch: tight cap: rewards on fuel stop after about ₹10,000 of spend a month.

Is the BPCL SBI Card OCTANE lifetime free?

No. It costs ₹1,499 to join and ₹1,499 a year, plus GST. Renewal fee refunded, within 30 days of being charged, if you spent ₹2,00,000 or more in the previous year.

Does the BPCL SBI Card OCTANE work on UPI?

Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments; it earns 0.25% on UPI spends.

Does the BPCL SBI Card OCTANE give airport lounge access?

4 domestic visits a year (1 a quarter); since 10 Jan 2026 only at 16 listed lounges in Ahmedabad, Bengaluru, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi and Pune; no spend condition is published.

What earns no rewards on the BPCL SBI Card OCTANE?

No points on fuel at non-BPCL pumps, on fuel paid by UPI at BPCL pumps, wallet loads and prepaid card purchases, rent, purchases converted to Flexipay or merchant EMI, balance transfers, cash advances, fees and charges, or disputed transactions. Grocery and departmental-store spends at Metro Cash & Carry, Flipkart Wholesale and Walmart earn only the base 1 point per ₹100.

Is there a limit on rewards with the BPCL SBI Card OCTANE?

25 points per ₹100 at BPCL pumps are capped at 2,500 points per statement cycle (₹625 of free fuel), reached at ₹10,000 of BPCL fuel spend. 10 points per ₹100 on groceries, departmental stores, dining and movies are capped at 7,500 points a month combined (₹1,875), reached at ₹75,000 of spend. 25 points per ₹100 on Bharat Gas LPG cylinder bookings (website and app only) are capped at 500 points per billing cycle (₹125), reached at ₹2,000. LPG booking is not a reward_rate key.

Who can get the BPCL SBI Card OCTANE?

Approval is at the bank's discretion.

How we checked this card: the CreditParakh team read SBI Card's own product page on 19 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.

Last verified 19 Oct 2026 on SBI Card's official page. Fees and rewards change; check the issuer's terms before you apply.

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